...FIN 324 Week 5 Learning Team Assignment Investor Profile Paper Get Tutorial by Clicking on the link below or Copy Paste Link in Your Browser https://hwguiders.com/downloads/fin-324-week-5-learning-team-assignment-investor-profile-paper/ For More Courses and Exams use this form ( http://hwguiders.com/contact-us/ ) Feel Free to Search your Class through Our Product Categories or From Our Search Bar (http://hwguiders.com/ ) Two lenders Sears and Roebuck use are HSBC Bank USA, National Association, and CitiCard. HSBC Bank USA, National Association is a bank that operates out of New York City with it s head office in Mclean Virginia (“RENAISSANCERE HOLDINGS LTD 2007). The bank is chartered in the National Bank Act and the Office of the controller of the currency, which is a part of the US Department of the treasury, regulates this bank (“8-K: HSBC USA INC /MD 2007). Sears credit card business is operated by CitiCard the world’s largest provider of credit cards. The investment back that Sears and Roebuck use to issue stock is Citi Bank. An investment back its job is to raise capital for Sears. Citi Bank sells securities to public investors in order to do this. The securities can come in the form of bonds or stocks. An investment bank performs two functions; mergers and acquisitions advisory and underwriting. The mergers and acquisitions side of the corporate finance, bankers perform the negotiating and mergers between two companies. Underwriting involves the process...
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...MRKT435 Conjoint Analysis Assignment Learning objective: To practice Conjoint Analysis- an advanced product design technique. Desired output: This is a practice assignment. Answer all three questions below. Your answers should be double spaced. There is no page limit, but be concise and to the point. Due date: 10pm, Monday, Oct 27. Submit to Turnitin. 1. A credit card company conducts a conjoint survey to find out how consumers trade off various aspects of credit card offerings: the brand, annual fee and credit limit. A potential consumer rates each of the following nine credit cards on a 0 to 9-point scale, where 0 means that the offering is really terrible and 9 means that the offering is very excellent. Card #1 Discover $20 annual fee $2,500 credit limit Score: 3 3 | Card #2 MasterCard $20 annual fee $5,000 credit limit Score: 8 8 | Card #3 Visa $10 annual fee $5,000 credit limit Score: 9 9 | Card #4 MasterCard No annual fee $1,000 credit limit Score: 4 4 | Card #5 Discover $10 annual fee $1,000 credit limit Score: 1 1 | Card #6 Discover No annual fee $5,000 credit limit Score: | Card #7 Visa No annual fee $2,500 credit limit Score: 5 5 | Card #8 MasterCard $10 annual fee $2,500 credit limit Score: | Card #9 Visa $20 annual fee $1,000 credit limit Score: 2 2 | a. Utility function: Calculate the utility function of each brand based on the above response. Show how you calculate the utilities to demonstrate...
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...Amir Mansourabadi CREDIT CARD LEARNING ASSIGNMENT Becoming of legal age was the beginning of a whole New World. For me all these new responsibilities hit me like a train wreck. The pressure of college is not the only thing that I had to learn to handle. Credit card vendors were out like vultures hunting their prey. Once I applied to one card all these other companies started to call me. It is the easiest way to buy something is with a credit card, but for some people, including me, these cards are like free money. But regrettably, they are not. After maxing out my credit, I started paying my account off bit by bit, which was also a huge mistake. The ways that these card companies make their money is by charging a huge amount of money for interest. So when I got my hands on my first credit card I thought that I had just won the lottery. I bought everything and anything in sight; I even bought things for my friends. My limit was $500.00 for my first card and I spent the whole thing. I made the first few payments, which were hard because I love to spend but I hate to pay back. After a while, my credit increased to $1,000. Credit cards had become like a plastic card to me. I had completely lost it, not knowing how much I was spending. I would buy something, pull out my wallet and pay with credit because I wanted to keep cash in my wallet. Soon I realized that it was impossible for me to pay back the debt, paying the money back was nowhere as easy as I thought it would be...
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...1.1 Background of Study Bachelor in Business Administration (BBA) program is run by Tribhuvan University from 2002 under the supervision of the Faculty of Management (FOM). It aims to provide quality education through quality and professional courses. BBA is four years international standard program consisting of eight semesters along with internship program. Thus, BBA program is a blend of theoretical and practical knowledge on the financial sector enabling the students in understanding business environment and solving practical business problems. It also aims to develop creative, socially responsible and skilled professionals who are able to carry out the responsibility of middle level managerial positions in the rapidly growing business sector in Nepal as well as abroad. Theoretical knowledge is not sufficient in this competitive and complex business world. Thus, in the eight semester of BBA program, student is required to work in financial institution for at-least eight weeks, where they can experience real situations of work environment in the organization. It also helps in understanding organizational environment and work culture. Internship program enables in acquiring skills and techniques by experiencing practical work situations directly applicable to develop career on financial sectors. It may also create the opportunities for placements in the same host organization or other organizations. 1.2 Objective of Report After the completion of internship program, it...
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...citations, references, and appendixes. ▪ Student may include additional relevant data/information apart from the proposed guidelines in conjunction to your research. Additional marks will be awarded for such attempt. ▪ Your coursework should be not more than 2000 words. ▪ You should bind your coursework with the coursework cover as the 1st page. ▪ A CD containing the softcopy version of your coursework should be submitted as well. ▪ Students have to use APA referencing style. Task Read through the following case study carefully before answering the questions. This is an individual assignment. Enabling Global Payments at PayPal If you have used eBay (and who hasn't?), you know how easy it is to pay for items you buy and to receive payment for items you have sold. Checks, Credit Card charges, and money orders are unnecessary. Instead of these traditional methods of payment, digital money is easily and...
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...citations, references, and appendixes. ▪ Student may include additional relevant data/information apart from the proposed guidelines in conjunction to your research. Additional marks will be awarded for such attempt. ▪ Your coursework should be not more than 2000 words. ▪ You should bind your coursework with the coursework cover as the 1st page. ▪ A CD containing the softcopy version of your coursework should be submitted as well. ▪ Students have to use APA referencing style. Task Read through the following case study carefully before answering the questions. This is an individual assignment. Enabling Global Payments at PayPal If you have used eBay (and who hasn't?), you know how easy it is to pay for items you buy and to receive payment for items you have sold. Checks, Credit Card charges, and money orders are unnecessary. Instead of these traditional methods of payment, digital money is easily and...
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...Personal Finance Plan Investments II Professor Emekter September 3, 2015 Table of Contents Introduction….3 One-Year Plan4 Three-Year Plan5 Five Year Plan5 Introduction I have already created a financial plan for my family and me. I’ve been gainfully employed for the last 11 years at a local career training school in downtown Cleveland and have been promoted multiple times so my goals and aspirations will be a little different than most of the class. For the purpose of this assignment, I will create a new 5 year plan, which will probably go up in smoke as soon as my wife has our first baby (due in less than 2 months), and will use my experience in the workforce as well as a few other sources to complete the assignment. For reference, this financial plan will assume a January 2014 start date as I plan to graduate in December 2013. I will graduate Pitt with a bachelors in Finance and would like to further myself within the company or explore entry-level opportunities in the financial industry, preferably in risk management. The tricky situation I find myself in will be salary, as I make a decent wage with the company I work for and with a baby on the way, a decrease in salary is out of the question. My hope is that I can find a new position within the company or use my experience from the last 11 years and gain a higher entry level salary than someone who is fresh out of college with no professional working experience. Part of the plan my wife and I have...
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...------------------------------------------------- Uber’s Legal Problem in Thailand RMIT International University Vietnam Bachelor of Commerce Program Assignment Cover Page Subject Code: | BUSM3311 | Subject Name: | International Business | Location & Campus (SGS or HN) where you study: | RMIT Vietnam | Title of Assignment: | Uber’s legal problem in Thailand | Student name: | Dinh Viet Tuan Anh | Student Number: | S3516558 | Teachers Name: | Daniel Burns | Group Number: | 1 | Assignment due date: | 27/7/2015 | Date of Submission: | 25/7/2015 | Number of pages including this one: | 4 | Word Count: | 754 | According to Bloomberg (2015), Uber is a private company that provides a smartphone application that helps people who need a ride to find a car drivers. The company was established in 2009 and it is currently quite popular in more than 150 major cities around the world (Tuoitrenews 2014). Uber provides people a chance to travel in a luxury car with a low fee and it is also convenient when people can grab a car just by some acts on their smartphone (Tuoitrenews 2014). With its own strengths, Uber want to provide its service in Thailand – a potential market in order to expand its market. However, Uber has experienced a legal problem in there that leads to its failure in expanding the market. This essay will analyse the issue that the company has faced and relate it with the theory of internationalizing. According to Dunning’s reasons for internationalizing...
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... Week Two Assignment Credit Cards play a large role in the average family’s economic crisis in the United States today. It seems that far too many people cannot budget their monthly expenses and credit cards are filling the gap between expenses and income. My advice to anyone that will listen is to live within your means. Some people are able to bridge this gap responsibly, but this is the exception rather than the rule. Every family needs to sit down and realistically prepare a budget. Define what things the family needs and at the bottom of the list define what things that the family wants. Items we can’t live without, (rent, power, water, insurance, food, and gas). Items we want, (cigarettes, soda pop, Starbucks, movies, and cable television). Calculate the monthly cost of our wants and needs. Once that magic number is agreed on calculate the family’s income. Unfortunately, the family income is usually a much easier number to understand. Whether it is one paycheck or two, the net income is what we have to work with. If the expenses are greater than the income, the credit card is not going to fix the problem; instead it will only enhance the problem exponentially. If you are unable to pay off the credit card each month, the interest rate can add up quickly. Once a person is in this predicament balance transfers to new cards, and credit card checks are the next way to fill the gap. Unfortunately, the credit cards companies have seen this...
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...Week Three Research Assignment Carolyn D. Jenkins Devry University Week Three Research Assignment Bank competition and consumer search over credit card interest rates, this article mainly talks about the bank competition facing the consumers with higher balances having lower interest rates. The reason I chose this article was it was interesting that the higher your credit card balance is the lower your interest rate. I thought that it would be the other way around, the annual percentages are focused on the consumers balance and their default history, it will prove that these two issues will affect the APR of the cardholder. Credit report accuracy and access to credit, this article speaks on the reports on the role of information that credit reporting agencies maintain on the consumers. Credit related issues in the United States effects of data limitations on the consumer access. This article gives us a lot of important information about ourselves and you credit history. It allows you to keep track of what is going on and what is being reported of your credit report. There is so much fraudulent information being done to the person and they are not aware until they go and try to get some credit. But, we should be taking a look at our credit report at least every sic months. Money Management, this article is about talks about a plan of the Australian Securities Investments Commission (ASIC). On how to conduct a financial planning exercise, he also talks about the...
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...Lora Smith COM/156 ASSIGNMENT-Thesis statement Using a credit card leads most Americans into debt. My thesis will be covering why I think that American’s should not use credit cards and the consequences that come along with being in such an industry. It will be covering the regulation’s benefits many companies have and the don’ts on having them and what will come along with accepting them. I will talk about hidden fees along with annual fees and all the fine print that everyone seems to not read. I will also touch basis on how one can stay out of debt in the paying process even though everyone wants a credit card some should not have one due to mismanaging of their incoming funds period. Writing on how my views on the credit card industry and why it is targeting the venerable and the young college students and people they know need credit and give it to them at a APR that is out of this world keeping them bound and in debt to them. My views on the credit card industry is that if they know that a person has more outgo then income then they should not extend the credit. Some people are so desperate and they know it that they will give them the credit but it will cost them just as much for the credit than the credit itself. My view from my stand point of view because I been there is that as long as you pay on time regardless if it’s the minimum they will keep extending credit to you so you can stay in debt to them and by the time you have paid one thing...
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...titled "Starbucks, Bank One, and Visa Launch Starbucks Card Duetto Visa" in the Resources and address the following components in your assignment: • Answer discussion questions 2 and 4 at the end of the case. 2. Build the management-research question hierarchy for this project. Step 1: Management Dilemma Is there a brand fit between credit card and Starbucks? How does the customer value the different benefits being offered by the Starbucks Duetto Visa card? How does the customer value "the give back to the community component"? Step 2: Management Questions If there is a match between the brand and the customers value the benefits of Starbucks Duetto Visa card, the card should be launched to as large an audience as possible. Step 3: Research Questions Starbucks should go in for the full launch of Starbucks Duetto Visa card. Starbucks should go in for a limited launch of Starbucks Duetto Visa card Starbucks should launch the Starbucks Duetto Visa card without give-back-to-the community component. Step 4: Investigation Questions Does Starbucks Duetto Visa card clash with the image of Starbucks? How much do the benefits of Starbucks Duetto Visa card appeal to the customers? How much do the planned give back to the community component appeals to the customers of Starbucks Duetto Visa card? Step 5: Measurement Question What is the extent to which the perception of Starbucks is hurt by Starbucks Duetto Visa card. In dollars what is the perceived value to the customer...
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...same it took 91 months to pay off the complete balance with an over payment of 46.32 in the 91st month. See sheet two attached 2. I have always been leery of getting anything like a credit card thinking that it might mess me up in the long run because I’m not currently stable enough to make sure that the debt I have ran up will be able to be paid this the manor it needs to be paid to benefit me in the long run. The only strategies I have on the use of credit cards is to not have them at all. But recently I actually did get a prepaid credit card to I can try to start building my credit. I liked this because everything I do with that card is my money s if I want to close that account the money I don’t use will be given back to me instead of me owing the bank. Another thing that I liked about this card is that if I spend 50 dollars a month and pay that full balance by the due date, instead of just the minimum balance I don’t have to pay interest. The APR on this card is 2.5% and it gives you two years to pay it off. This is not a real credit card just has some similar characteristics. The first credit card I chose was the journey student rewards card. This visa card is threw capital one. This card is targeted towards students with a credit limit or fair credit. This card has perks like no annual fees and 1% cash back on all purchases and if you pay your payments on time you get an extra 25% cash back rewards as well. The cash back rewards don’t expire which is good...
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...Assignment 1 You have been given a task to give a summary of the alternative ways in which payments can be done in Zimbabwe and globally. Your organization which is into Financial Services Advisory has a clientele that is very ICT savvy yet at the same time economic conscious. Thus your clientele requires a quick and easy to reference guide with regards the alternative payment services. METHODS OF PAYMENT THAT IS AVAILABLE TO ZIMBABWEANS The internet is transforming the banking and financial industry in terms of the nature of core products /services and the way these are packaged, proposed, delivered and consumed (Sathye, 1999). Banks and other businesses alike are turning to Information Technology (IT) to improve business efficiency, service quality and attract new customers, (Nath et al, 2001) and (Kannabiran and Narayan, 2005). However, development and innovation in Zimbabwe over the years has been slow as clients would have resolved to use other payment methods than visiting the bank each time they need cash to settle payments. Explained below are some methods of payments that can be used in Zimbabwe to ease the problems of cash shortages. E-MICRO PAYMENTS: These are usually online payments of amounts less than $10.00. Debit and credit cards are not ideal for such payments in view of the associated bank charges. These can be used to buy items such as smartphone applications or podcasts costing $ 0.99. They are designed to capture mainly the youths who do not have Debit/Credit...
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...Unit 1 Assignment 2 Albert Gonzales was part of one of the largest cybercrimes in history. Albert was raised in a working class neighborhood in Florida and he earned allowance by helping his father with landscaping. He eventually was introduced to his first computer and became part of a hacking group known as the Keebler Elves. While with this group he hacked into the computer systems of the Indian Government. After graduating High School, he started college at Miami-Dade Community College and dropped out after a month. He moved briefly to New York and secured a job with a soon to fail .com corporation. He moved to New Jersey after taking a job with Siemens in their IT dept. While he was there he became involved in another hacking group known as the Shadowcrew. This group trafficked over 1.5 million stolen credit card and ATM numbers. He was considered the master mind of the group under the alias CumbaJohnny, he was not indicted. While with this group he participated in encoding blank magnetic strip cards with stolen account information and used them at ATM’s cleaning out many accounts. These trips were called “cash-out trips”. It would be on one of these trips that would be his unlikely downfall. In 2003, he is arrested by New York Police officers after being observed using several cards at an ATM machine. During the arrest they discover that he is Albert Gonzales and turn him over to the Secret Service. The Secret Service soon learned of his potential and...
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